View Single Post
Old 06-26-2009, 09:42 AM   #25 (permalink)
Halanna
Insane
 
Halanna's Avatar
 
Location: Over the rainbow . .
I smell a rat.

It unlikely that a collection agency will contact you by phone when you haven't received anything in the mail. The Fair Debt Collection Act (something like that) says they have to notify you in writing and you have a certain amount of time to dispute the validity of the debt among other things.

I don't see why anyone would ask you to verify your entire social security number over the phone. Usually it's only the last 4 digits. The fact that they said your full name then your full social security number and you verified it (shame on you, you know better) is a red flag. Notice how quickly they hung up after verifying your social?

While some collections agencies will sue for small amounts, the majority of them don't. To answer someone else, yes you have to be served with papers notifying you an action has been filed against you, you have X number of days to respond to the petition, etc. Threats of legal action by a collection agency is just that, threats.

It's not hard to get an account with a third party business that allows you to pull other peoples credit reports to start running a scam. All you have to do is pay the per report fee, or a flat fee depending on the company you use.

If I were you this is what I would do and worry about the validity later. That verifying the whole social over the phone scares me.

Call your phone carrier and ask if they have any type of reverse call blocking where you can block the last number that called your phone.

Go to www.annualcreditreport.com and pull a credit report from each of the agencies, there will be 3. These reports are free and you get one free report per year from each agency.

Once you have reviewed all 3 reports (and printed them) contact the agencies and have them put a "fraud alert" on your account. This will prevent anyone using or stealing your identity.

Look through all your medical bills and see if you have one for $600. If you don't, bigger red flag. If you do, call them and find out what is going on.
Halanna is offline  
 

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100 101 102 103 104 105 106 107 108 109 110 111 112 113 114 115 116 117 118 119 120 121 122 123 124 125 126 127 128 129 130 131 132 133 134 135 136 137 138 139 140 141 142 143 144 145 146 147 148 149 150 151 152 153 154 155 156 157 158 159 160 161 162 163 164 165 166 167 168 169 170 171 172 173 174 175 176 177 178 179 180 181 182 183 184 185 186 187 188 189 190 191 192 193 194 195 196 197 198 199 200 201 202 203 204 205 206 207 208 209 210 211 212 213 214 215 216 217 218 219 220 221 222 223 224 225 226 227 228 229 230 231 232 233 234 235 236 237 238 239 240 241 242 243 244 245 246 247 248 249 250 251 252 253 254 255 256 257 258 259 260 261 262 263 264 265 266 267 268 269 270 271 272 273 274 275 276 277 278 279 280 281 282 283 284 285 286 287 288 289 290 291 292 293 294 295 296 297 298 299 300 301 302 303 304 305 306 307 308 309 310 311 312 313 314 315 316 317 318 319 320 321 322 323 324 325 326 327 328 329 330 331 332 333 334 335 336 337 338 339 340 341 342 343 344 345 346 347 348 349 350 351 352 353 354 355 356 357 358 359 360